vanquis asking for more money

smiler52_2

Hi all i have a credit card with vanquis well today i got a call from a very rude lady from them any way she asked me to pay £62 i told her i did not have that and would not to next Tuesday then she asked if i could ask someone else to pay it for me i said no then she said if i did not pay by the next Tuesday i would get a £12 charge there are some things i don't understand i'm all update with them and its not due to the 15th of November and number two i should only have to pay £30 as that's what the vanquis online banking says and what they said it would be when i joined up and i'm not sure what to do thanks

smithers1981

What does your latest statement say? Balance, limit and minimum payment, and payment date?

So long as you pay the minimum payment by the due date you have fulfilled your obligation to them.

I can only think that you have gone over your credit limit and they want the money to bring balance under the limit.

[Deleted User]

You need them to clarify why they are asking for £62. Check your online statement and recent transactions. You're probably overlimit.

smiler52_2

hi there i have checked it 3 times now and its all saying its ok Your Next Statement
Next statement date20 Nov 12Payment due date15 Nov 12Minimum payment£33.11

[Deleted User]

Don't look at your stastement. Look at your current balance.

smiler52_2

Current balance £450 and credit limit is £500

smithers1981

Phone them up hopefully you won't get the same 'very rude lady' Ask for clarification.

debtcutter

"Next statement date20 Nov 12Payment due date15 Nov 12Minimum payment£33.11 "

By the looks of it, your next payment due date is before the statement date.

Are you sure your payment from around the 15th (ish) of this month came out OK?

When does it say your last payment was made?

SnowTiger

smiler52 wrote: »

hi there i have checked it 3 times now and its all saying its ok Your Next Statement
Next statement date20 Nov 12Payment due date15 Nov 12Minimum payment£33.11

I'd guess that Vanquis thinks you've missed your last payment.

How did you pay the last statement? Direct debit or debit card? If I were you I'd check with my bank that the transaction went through and wasn't reversed from some reason.

SnowTiger

smiler52 wrote: »

Current balance £450 and credit limit is £500

Hmmm, quite close to your limit. Could there be any transactions not included in that total? A recent purchase, perhaps?

Vanquis' is a bit sluggish at updating transaction details online. What does it say under "Available to spend?". £50?

Sheriffsam

did you also know that Vanquis dont let you set a direct debit amount? You have to either pay in full or pay minimum payment. Is this illegal?